The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,967
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,152
−HK$189/mo
Today · 4.125%
HK$6,341
baseline
▲ 0.50% · 4.625%
HK$6,727
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,682/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,638
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,816
−HK$181/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,994/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,160
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$226/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,218/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,966
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$217/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,792/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,354
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$264/mo
Today · 4.125%
HK$8,877
baseline
▲ 0.50% · 4.625%
HK$9,418
+HK$541/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,754/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,293
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$252/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$517/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,590/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,740
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$340/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$694/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,828/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,948
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$325/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,188/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).